Which lender is the BEST? *cough* Total Higher Education *cough*

There's a lot of good information about lenders on this forum but has anyone come up with a clear winner? I will be attending the University of San Diego this fall and they have 4 main preferred lenders. They are:

The link above gives us all the information we need on each lender. I am leaning towards Total Higher Education because it's a non-profit, is very flexible in terms of missing payments (not harsh), has good customer service from what I hear, and seems to have pretty good rates as well. In college I had federal loans, which I later consolidated with the government, and a private loan from Sallie Mae that I payed off in full. Sallie Mae's rates were insane and their customer service was horrible. Now that I'm going to law school, I am more educated on the importance of selecting a good lender. I would rather go with T.H.E. even if it is a little more just to have better service. Yet I think that they will save me money in the long run as well since T.H.E. has competitive rates and doesn't penalize you like the other companies do for missing a payment. What's the best lender out of these four? If I don't get any responses I'm just going to go with Total Higher Education. Thank you all in advance!

It depends on what school you're going to. At UVA Bank of America gives some incredible incentives to go with them- 2.5% reduction from federal loan interests if you let them deduct payments from your bank account. That is the best deal i've seen. 6.8-2.5=4.3%! Hopefully there is no small print i'm missing here.

It depends on what school you're going to. At UVA Bank of America gives some incredible incentives to go with them- 2.5% reduction from federal loan interests if you let them deduct payments from your bank account. That is the best deal i've seen. 6.8-2.5=4.3%! Hopefully there is no small print i'm missing here.

I called them to double-check this on Friday, because it seemed too good to be true to me as well. Confirmed...2.5% reduction. Crazy good!

I went with Academic Finance Corp and for the Grad Plus and stafford loans they offered a 2% reduction as well: .25% reduction on graduation and 1.75% reduction for auto-debiting. This is way better than what you get from so-called preferred lenders, at least for my school.

It depends on what school you're going to. At UVA Bank of America gives some incredible incentives to go with them- 2.5% reduction from federal loan interests if you let them deduct payments from your bank account. That is the best deal i've seen. 6.8-2.5=4.3%! Hopefully there is no small print i'm missing here.

I called them to double-check this on Friday, because it seemed too good to be true to me as well. Confirmed...2.5% reduction. Crazy good!

wait--is this only in repayment or also during the period while you are in school?